If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. In due time MoneyGram separated from the Western Union and became an independent brand. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram